OK, getting frustrated.....I am in a debt managment plan, have been for 3 years, and have made significant progress....in the past 2 months, 5 accounts were paid off, I have 6 more to go, and about 8 months left. One of the accounts that was paid off is Spiegel. They had been in collection, and I had made arangements to pay even prior to setting up the dept plan.. which I had done on time. So, now they are paid off....but every month for past 3 years it shows as a 90+ days late on Experian. Need advice as to what to do at this point. Just feel it unjustified because for the last 3 1/2 years I was making payments as scheduled. Any suggestions. I thought I disputed 11/2 months ago (but can't find copy)...wondering if something else may be more effective. My current score is 674....but has not budged in the past 3 months, even with the payoffs. My "baddies" show as 56 counts, most of which would be these 90 day dings.
Starting Score: EQ 679, TU 697